Insurance & Investment Services
From your first life insurance policy to your retirement portfolio — independent advice and products from all major Canadian insurers, explained in plain language.
Life Insurance
Life insurance replaces your income and protects the people who depend on you. Frank helps you choose the right type and the right amount — nothing more, nothing less.
Term Life
Simple, affordable coverage for a set period of time — ideal for temporary needs like a mortgage or while children are growing up. If you want the most protection for your budget, term life is usually where to start.
Whole Life
Permanent coverage that lasts your entire life, with premiums designed to stay level and a cash value that can grow over time. Well suited to estate planning and to anyone who wants protection that never expires.
Universal Life
Combines permanent life insurance with a tax-advantaged investment component you can adjust over time. A flexible option for those who have maximized other registered plans and want to build wealth inside their policy.
Frank is independent: he compares term, whole life and universal life plans from all major Canadian insurers to find the coverage that fits you — at the right price.
Health & Living Benefits
Your ability to earn an income is one of your most valuable assets. Living benefits protect your family's finances if an illness or injury stops you from working.
Critical Illness Insurance
Pays a lump sum if you are diagnosed with a covered condition such as cancer, heart attack or stroke. Use the money however you need — treatment, time off work, or paying down the mortgage while you recover.
Disability Insurance
Replaces part of your income if an illness or injury keeps you from working. Especially important for the self-employed and anyone without group coverage through an employer.
Health & Dental Insurance
Personal plans that help cover prescription drugs, dental care, vision and paramedical services — for the self-employed, retirees and anyone without a group plan at work.
Long-Term Care Insurance
Provides an income if you can no longer care for yourself and need help at home or in a care facility — protecting your savings and easing the load on your family.
Investments & Wealth Management
As a CFA charterholder and Mutual Fund Representative, Frank builds goal-based plans with professional discipline — matched to your timeline, your comfort with risk and your tax situation.
What you invest in
Mutual Funds
Professionally managed portfolios offered by Frank as a Mutual Fund Representative — diversified investing matched to your goals and risk profile.
Segregated Funds
Investment funds with insurance features, such as maturity and death-benefit guarantees and the ability to name a beneficiary. A way to invest in markets with added protection built in.
The accounts that hold your investments
RRSP — Retirement Savings
Save for retirement while deferring tax: contributions can reduce your taxable income today, and your investments grow tax-deferred until you withdraw them.
TFSA — Tax-Free Savings
A flexible account where investments grow tax-free and withdrawals are tax-free too — for any goal, from an emergency fund to retirement.
RESP — Education Savings
Save for a child's education and let federal and Quebec government grants add to your contributions. Savings grow tax-deferred until your child is ready for school.
FHSA — First Home Savings
Save for a first home with the best of both worlds: contributions are tax-deductible like an RRSP, and withdrawals for a qualifying first-home purchase are tax-free like a TFSA.
RRIF — Retirement Income
When it's time to turn savings into income, a RRIF converts your RRSP into a steady stream of retirement income while the balance stays invested.
Non-Registered Account
A flexible investment account with no contribution limits — for saving beyond your registered room. Growth is taxable, but capital gains and dividends receive favourable tax treatment.
Our approach
Understand your goals
We start with a conversation about what you're saving for, when you'll need the money and how you feel about risk.
Build the plan
Frank recommends accounts and investments that fit — explained clearly, with the reasons behind every choice.
Review regularly
Life changes, and your plan should keep up. Regular reviews keep your investments aligned with your goals.
Frequently asked questions
Does it cost more to buy insurance through an advisor?
No. You pay the same premiums as buying directly from the insurance company — the difference is that you get independent advice, help comparing companies, and support at claim time, at no extra cost.
Which insurance companies do you work with?
Frank is independent and works with all major Canadian insurers, including Manulife, Sun Life, Canada Life, iA Financial Group, Desjardins and more. That means the recommendation is based on what fits you, not on one company's product line.
Can you review my existing policies?
Yes. Bring your current policies and Frank will explain in plain language what you have, what it costs and whether it still fits your situation — with no obligation to change anything.
Do you only serve Chinese-speaking clients?
Not at all. Frank serves clients in English and Chinese, and works with families, newcomers, students and professionals from every background across Canada.
Ready to protect what matters most?
Book a free, no-obligation consultation — by phone, video call, or at our downtown Montreal office. Service in English and Chinese, across Canada.